Berenice Rodriguez
Red Oak,TX
Summary
Dependable finance industry worker equipped for fast-paced work and changing daily needs. Serves members effectively with attention to detail and hardworking approach. Seeks out opportunities to go beyond basics, improve processes, and increase customer satisfaction. I am motivated to continue to grow! Able to work in a fast pace environment and deliver any information in a timely and professional manner.
Overview
10
10
years of professional experience
Work History
Lead Mortgage Lending Servicer/MLF
RESOURCE ONE CREDIT UNION
05.2020 - Current
- Developed strategic plans for day-to-day financial operations.
- Work closely with Project Manager and Chief Lending officer to review historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
- Responsible for performing mortgage loan support services including assisting members with questions, responding to 3rd party inquiries, processing payments and adjustments, disbursing insurance funds, processing routine transactions, and completing basic clerical duties
- Tracks and obtains proof of insurance as required on member loans
- Executes loan closing actions to ensure a timely and effective closing process
- Maintains departmental records and files
- Process escrow disbursements for taxes and insurance
- Process closed loan disbursements
- Sets up escrow accounts
- Fund mortgage loans
- Processes mortgage loan payments, payoffs, and performs post-closing activities
- Executes release of liens and subordinations
- Notarize release of liens
- Resolve (or refers) requests and problems promptly and courteously
- Keep management informed of area activities and of any significant problems
- Complete reports and records promptly and accurately, balances the department GL for Accounting and works closely with them.
- Responds to member and 3rd party inquiries and researches accounts regarding mortgage loans, payments, balances, and escrow requirements
- Process payoffs requested by 3rd party company's
- Complete and review Initial and Final CD's for accuracy and compliance
- Reconcile within the loan origination system
- Verify seller and lender credits, funds on deposit, payoff of debt (if needed)
- Quality control review of all closing documentation to ensure they are accurate, properly signed and notarized as required
- Communicate proactively with all parties involved in the loan closing transaction to avoid and/or resolve problems or issues at closing
- Initiate funding and large wire transfers as required
- Ensure the Receipt, tracking, and safekeeping of Original Note is received in the original closing package.
MEMBER EXPERIENCE ADVISOR
RESOURCE ONE CREDIT UNION
09.2019 - 05.2020
- Responsible for performing a variety of services such as opening and closing accounts and assisting members with any additional services
- Processes loans such as auto personal and credit cards
- Performs account maintenance and researches and questions or concerns members may have
- Audit and analyze applications/new account documents
- Open and close accounts such as savings checking IRA CD's
- Interviews, take applications, gathers information, and processes preliminary documentation on loan requests
- Thoroughly read and explain credit report to member's
- Assist in servicing loans by processing such items as payoff, refinances, problem loan workout arrangements, address changes, payment extensions, collateral releases, and payment due date changes
- Identify cross‑sell opportunities and cross‑sells products and services to members
- Sells credit life, disability, and mortgage insurance
- Ensure that members' requests and questions are promptly resolved
- Complete required reports in a timely manner
- Provide backup management support when needed
- Review monthly compliance account reports
Member Service Representative
CORNER STONE CREDIT UNION
08.2014 - 09.2019
- Responsible for performing a variety of services to members such as opening and closing accounts
- Maintains a thorough working knowledge of the complete line of products and services and offers appropriate products and services to members and potential members
- Answers member questions regarding Credit Union services provided and performs a variety of account maintenance
- ESSENTIAL FUNCTIONS AND BASIC DUTIES
- Opens and closes accounts such as savings checking, IRA and CD's
- Issues money orders/cashier checks, and debit cards
- Pulls ATM totals for end of day
- Assists Sr Loan officers with member applications
- Able to handle large cash transactions and answer member phone calls
- Jan 2014
- Provide assistance and support to other team members
- Cross sell credit union products and distribute any information
Education
Data Analytics Training
Skills
- Bilingual-proficient
- 10-Key Data Entry/MS Office/Excel/Word
- Financial Reporting and Analysis
- Knowledge of risk-based testing or auditing techniques
- SQL- 6 months
- Data Analytics
- Data Visualization
Timeline
Lead Mortgage Lending Servicer/MLF
RESOURCE ONE CREDIT UNION
05.2020 - Current
MEMBER EXPERIENCE ADVISOR
RESOURCE ONE CREDIT UNION
09.2019 - 05.2020
Member Service Representative
CORNER STONE CREDIT UNION
08.2014 - 09.2019
Data Analytics Training
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